Client Experiences

Nine Year Mortgage Client Reviews

Since 1996 Nine YearMortgage has helped thousands of clients eliminate their debt faster than they ever thought possible. Read the reviews below to get an idea of what Nine Year Mortgage can do for you!

Watch and listen to what these actual clients say about Nine Year Mortgage.

Tonya Hendrix

Folkston, Georgia approx. 7min

James & April Cox

Claxton, Georgia approx. 5min

Greg & Candace McTwigan

Moultonborough, New Hampshire approx. 7min

Read what actual clients have to say about Nine Year Mortgage.

Nine Year Mortgage has helped us get back on track. My husband & I have been clients since 2010, and cannot say enough about how much they have helped us. They are very professional, detailed and attentive to any matter that may be brought forth.

I especially have high praise to give to our plan coordinator in the Customer Care Department. He is a wealth of knowledge! He has been more helpful than any other financial representative I have ever dealt with. He is compassionate beyond words. He makes you feel like you are his only client. He has passed on many valuable, helpful suggestions to try to make our financial freedom a reality.

I am thrilled to say that we are nearing the end of what once felt like infinite debt, and will soon be concentrating solely on the mortgage. We recommend this unique program to anyone who needs help gaining control over their debt. We are proof that this program is a success.

Thank you, Christine M. Hare

We were starting to feel like we would never get all of our bills paid so that we could start enjoying ourselves more. We both have always worked and were feeling hopeless.When we first heard about 9 Year Mortgage we read their website and were interested enough to set up a phone interview. After talking with the representative we were convinced that this may be the way to go. It was a little scary at first, but we made our minds up that this would work for us.We set up a program that was personalized to our circumstances and got started immediately. The best part was that we could see balances drop monthly! All of the people that we came in contact with were extremely friendly, helpful, and courteous.We definitely learned to be more accountable for what we were spending each month and even completely gave up using credit cards; we just didn’t need to! We have paid off six credit card accounts with balances of over $44,000 and will have our mortgage paid off in 5 1/2 more years.

Gary and Linda Sprik

I was on my way home from attending a conference in New Hampshire in July 2009 and was trying to find a radio station that was worth listening to. One of the advertisements mentioned 9 Year Mortgage and talked about it being a debt elimination plan, etc. I quickly wrote down the 1-800 number and was very interested, especially since it was a FREE consultation! I figured what could it hurt?When I arrived home in Pennsylvania, I called and spoke with Courtney who gave me some information on how the 9 Year Mortgage system works and she took some information and we set up a follow up appointment with Jonathan. During my visit with Jonathan, it was interesting to see all the numbers and to see how much the Nine Year Mortgage plan could save me and to actually be out of debt in 7.5 years was UNBELIEVABLE!!!! I knew that if I were to say something to my friends about signing up with this program they would tell me I’m crazy. Jonathan said, yes, but in 7.5 years when you are debt free and you tell your friends that you are debt free, they are going to be asking for the Nine Year Mortgage number. So, I decided to signed up!I have been so impressed with the professionalism, friendliness, knowledge and assistance of everyone I have dealt with at Nine Year Mortgage. If there is a question or a situation that comes up that needs to be dealt with it is handled with the utmost priority and quickness to have it properly resolved. I love that 9 Year Mortgage educates you and gives you a new perspective on money and how to handle it and that it works to ELIMINATE the debt, not consolidate debt, and helps you to see the light at the end of the tunnel giving you the tools to get out of the vicious cycle of debt! I can’t say enough about Nine Year Mortgage. I would recommend it to everyone, as long as you are willing to be teachable. As my pastor always said, “nothing changes, until it changes”. If you aren’t willing to change your habits, then nothing is going to change. If you aren’t sure where to start, RIGHT NOW is ALWAYS a great place to begin! Thanks to my Plan Coordinator for all your help; it’s always a blast chatting with you! Sherry S. Pennsylvania

I have always had good credit and paid my bills on time. Sometimes I was even making lump sum payments to get my debt paid down faster, but then I would get into a jam and use my credit cards again. I felt like I was in a rotating cycle that would never end and I was not moving ahead like I wanted to. I have two kids and I want to have more, so getting my debts under control is extremely important to me. Now that 9 Year Mortgage is helping, I have been able to completely stop using my credit cards.Saying you will do something is one thing, but having someone behind you like Nine Year Mortgage makes it happen a lot easier. I no longer have to worry about which bills are due and when they need to be paid, it’s all taken care of for me. 9 Year Mortgage is very different from other companies and I’m excited to be working with them. Because their plan is flexible, it has allowed me to make changes as needed. I will be out of debt in less than half the time I expected, and I will save over $120,000 in interest and future payments! Tara S. Florida

“Alex was able to work out quite the plan for us to eliminate all of our debt, it’s great for us. Now, we are saving money in the long run because our house will be paid off 19 years sooner than it would have. Now, our home will be paid off a just a couple of years after retirement. I am glad that we can always talk to a live person and have our questions answered. Needless to say, we are very satisfied”

Linda Smith Cumberland, MD

“It has been just over two years since I started my Financial Plan with 9 Year Mortgage. I needed a simple plan that would keep me on track and give me more time to concentrate on my work. To once a month write out a check and deposit it into my processing account and then to not have to worry any more about paying my bills has been such a blessing to me. In two years I have eliminated over $60,000 dollars in debt including all my credit card debt. This has been an amazing experience. Thanks for all your help.”Peyton M. Indiana

“Before we found 9 Year Mortgage, my debt ratio was high, but we still had good credit and I wanted to keep it that way. I work for a bankruptcy attorney and I see what happens when things get out of control everyday. Bankruptcy was not an option for me and I knew there must be an intelligent way to take care of it. Writing it all off didn’t seem right. Credit card companies make it so easy to get over your head in debt and make it so hard to get out.When I heard that we could be debt free including the mortgage in just 8 years and save more than $220,000 in interest, it almost sounded too good to be true, but when they explained the way it worked, it made sense to me we were excited. I didn’t want to carry a mortgage into retirement and neither did my husband. Now I get on every month and look at the progress we’ve made and it makes me feel good. We’ve even found ways to accelerate our plan even further and are one year ahead of schedule!Now, getting the credit card statements in the mail isn’t stressful for me because I know that everything is getting paid down as quickly as possible and one by one these bills will be gone forever. The 9 Year Mortgage Financial Plan has simplified our lives in a big way. I am glad that we did it.”

Barbara and Kelly Smith Green River, Wyoming

“Before 9 Year Mortgage we were over our heads in debt. I think we had more debt than money! Our credit was great and we didn’t want to mess it up. I was actuallypraying for a solution to get us out of debt when I found 9 Year Mortgage. I am thankful that this is the place we found because it has truly been an answer to my prayer.Now we’ve been on the program for a while and the other day I looked at my statement from MBNA and realized that my balance had come down by $5000. That was really motivating to me. Sometimes it’s hard to have discipline when you see everyone else taking another vacation on the credit card, but we wouldn’t trade the peace of mind we feel every day for the short thrill of a vacation we couldn’t afford. That’s not what we do anymore. The 9 Year Mortgageprogram is a new lifestyle for us.I go to bed at night knowing that we are going forward and not backward. I don’t feel overwhelmed or out of control. It just feels good.”

Kim Slack California City, CA

“I did it! Just over two years ago when I called 9 Year Mortgage, I didn’t know how I was going to pay off all my debt. I thought it was going to take forever unless I increased my payments which I did not have the money to do. I started the 9 Year Mortgage Program hoping for the best, and I just recently paid off my last credit card, leaving me with only my mortgage. The 9 Year Mortgage Financial Plan fit my budget because it was based on my minimum payments which is all I could do. I’m very pleased at how well everything worked to get me to this point. I can’t believe I paid off over $20,000 so fast. I am committed to stay on track to get my mortgage done as well. Thanks.” Amril D. New York

“I am not a financial analyst. I am not a mathematician. I am a pet groomer and I love it, but I really wanted those other skills to be able to better use any extra money to pay off my debt faster. I contacted a debt management company who referred me to 9 Year Mortgage since I was not behind on anything and my credit was good. After learning about the plan I am still boggled. Oh, Ryan’s explanation of the debt plan and funding was clear and simple enough. There was no confusion and it was all quite easy, actually. I am just baffled that what would’ve taken over 35 years to pay off is now on track to be GONE within 4.5 years!!! 9 Year Mortgage has taken away a lot of stress because I no longer worry about deadlines and I know exactly how to spend my monthly money. I would certainly recommend 9 Year Mortgage to others, especially if you are stressed about how fast and to where all your hard-earned money goes”

Nancy Nier Bedford, IN

“Before finding 9 Year Mortgage over two years ago, we were making our payments OK each month, but it seemed like we were just spinning our wheels, never making any real progress with our debts. Month after month we would make payments on credit cards, then run to the store and charge the same amount we’d just paid off! With this program we have completely stopped using credit cards. It was going to take us 30 years (or more) to get out of debt, but now we will be done in 9 years (or less), including our mortgage!It’s been very encouraging to see our debts eliminated, one by one, and with a program that keeps us on track. We really enjoy working with your staff and feel as though we have been associating with friends. There’s still plenty of room for us to improve, but we are leaps and bounds ahead of where we would have been on our own. Thank you!”Tracy and Sylvia F. Nevada

“We felt our debt was under control and we were competent in handling our finances, when we were suddenly faced with a merciless credit card company. They raised our interest rate a full 20% on a 30,000 balance, regardless of the fact that we always paid on time and made more than the minimum payment. Our credit rating has always been important to us. I experienced a couple days of genuine despair. Now, all our extra money would be going to that company and I couldn’t stand that thought. A debt consolidation company referred us to 9 Year Mortgage and within a week everything was back under control and Bill’s plan made me ecstatic. Everything processed quickly and I felt back on top. At first we thought it sounded too good to be true. We’d always wanted to do something like this. We read everything, asked tons of questions, and everyone was very nice in giving us the answers. Still, we kept thinking, ‘What’s the catch??’ The analysts at 9 Year Mortgage kept answering our concerns patiently, plainly, and simply. We were thrilled–very happy–to finally internalize that our goal of becoming financially independent CAN become a reality! We know our money is being applied to every debt in a timely and efficient manner. We’ve always wanted to pay down our debt with extra money added to our payments, but could never pull it off because we didn’t have the capital to do it. I have recommended and will continue to recommend people to 9 Year Mortgage.I do landscaping and gardening and my husband is a carpenter. We live out in the boonies on 5.5 acres and at this moment we are sitting outside eating smoked salmon and crackers, enjoying this perfect 80-degree day. Our children are grown and live in FL and we are considering moving down there. In ten years our debt will be all gone–hallelujah!! Our Financial Plan with 9 Year Mortgage is our ticket south, literally!”

Candace McTwigan Moultonborough, NH

I never thought we could do it. Next month 9 Year Mortgage will send out the last payment for us and we will be completely debt free. This is the best feeling ever! If we could have just started the 9 Year Mortgage Program sooner, we just had no idea it could be done so fast. We can now start putting the money towards retirement. Thanks. Steve & Julie Ohio

“We really needed some help with our debt and we turned to Alliance Credit Counseling. Fortunately, they referred us to 9 Year Mortgage. They carefully analyzed our financial situation and got us on a debt plan that will get us completely out of debt in about 8 years, including paying off our home! It’s amazing to see we are going to be debt free in that amount of time. The online statements are a big help. It is great to see our progress, and we love the flexibility of being able to see the end result of any financial decisions we might consider. The staff at 9 Year Mortgage has been very helpful and professional in answering our questions and helping us out. We are excited to finally being on our way to being completely debt free.”

Richard & Gail McMahon Coleman, WI

We are approaching our 70’s and have been worried about how much longer we can continue working. Our 9 Year Mortgage Financial Plan will have us debt free in 10 years including our home. What is exciting to us is that 9 Year Mortgage will have all of our other debts paid off in only 2 years, freeing up close to $1,100 per month. If we can make it through just 2 more years of working, then we can finally retire with only a mortgage payment. I am glad 9 Year Mortgage is helping us with an emergency fund first just in case something happens. You’ve been very helpful answering all our questions. We plan on sticking with our 9 Year Mortgage Financial Plan to make all of this happen.Glenda O. Oregon

“We found ourselves with significant debt on some credit cards that had pretty high interest rates. We talked to our neighbor in the banking industry and he referred us to Nine Year Mortgage. It was amazing to see that we could eliminate all our debt in one-third the time we would have without 9 Year Mortgage. We have been very satisfied and have recommended 9 Year Mortgage to several of our friends. I start talking numbers with them and I tell them our experience-how it is so convenient to have everything taken care of automatically, no more late or missed payments, no more headaches! Our greatest benefit has been having peace of mind because we know nothing gets forgotten when we leave on vacation or simply get too busy. Thank you, 9 Year Mortgage!”

Brent Mc Bride Meridian, ID

“We were 105K in debt and had our credit cards maxed out, paying the minimum payments. Both my wife and I have good jobs. I work with an international paper company and my wife is with a grocery company. Together we make a great income and tend to ‘live large’. I knew, though, that at this rate we’d always be paying on this debt. It’s hard to stop thinking, ‘We earned it, let’s enjoy it’. But we were just not making any progress. A credit counseling company told us that to consolidate our credit cards would hurt our credit so she referred us to 9 Year Mortgage. I was very skeptical and actually didn’t want to do it at first. I took awhile to decide but my wife, who was the one who payed all the bills, was all for it. Our analyst, Bill, reassured me with this analogy: ‘Do you have a 401K at work? Do you put the money into it or does your employer? They do. We pay your debt off for you. When you get extra money we apply it directly to your remaining debts’. That helped me to know that this is what we wanted and needed to do. And now we have a plan that gets rid of ALL our debt in 4.1 years instead of over 35! I’ve told a dozen people at work about you; I know they like to live large like I do so I know the plan can help them.Since being with Nine Year Mortgage the biggest benefit has been not having to make any payments. With my wife being the one to do it, she’d sit in the chair all night long making out checks to everyone, worrying about it all so I’d even say that 9 Year Mortgage has helped our marriage out! Thank you 9 Year Mortgage!”

Chris Eason Linden, TX

“My husband, Jim, and I had 29 years left on our mortgage until we met David. We will now be debt free in 10 years and save $275,000 in interest paying exactly what we were already paying. The least we can do in return is refer this Financial Plan to all our friends. Thanks.”

Eva and Jim

“As a single Mom, it is wonderful to be looking at being completely debt free in less than 10 years. Needless to say I am very pleased! You have really helped me out!”

Jean Jones

“A year and a half ago we met with a Financial Plan representative. At that time we did not feel we should go on the 9 Year Mortgage Program. Since that time we have refinanced our home and racked up more credit card debt. We should have followed their advice a year and a half ago. Thanks for still being here! We hope no one else will make the same mistake. Start your Financial Plan today!”

The Wards

“On August 3, 2000 we were able to sign our Financial Plan to get us completely debt free in 9.9 years and save us over $41,800 in interest. This was done without raising our monthly payments a penny! Had we not enrolled in the Financial Plan it might have taken us over 20 years to get out of debt and we could have ended up paying over $179,000. Needless to say we are very grateful.”

Cory and Julie

Will the Nine Year Mortgage Financial Plan work for me?

To find out if you qualify today! Find out what thousands of satisfied Nine Year Mortgage clients already know about taking control of their finances, and using the power of reverse compounding interest to beat the banks at their own game! Nine Year Mortgage Representatives are standing by to answer all of your questions about our program, including how soon you will be debt free, and how much money you will save in interest!

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What our Customers are Saying

A father carries pictures where his money used to be. ~Author Unknown

{}"It’s great for us. Now, we are saving money two ways-each month with a lower payment, and in the long run because our house will be paid off 19 years sooner than it would have." ~Linda Smith of Cumberland, MD
{}"I get on every month and look at the progress we’ve made and it makes me feel good. We’ve even found ways to accelerate our plan even further and are one year ahead of schedule!" ~Barbara and Kelly Smith of Green River, Wyoming
{}"Before NINE YEAR Mortgage, we were over our heads in debt. I think we had more debt than money!
Our credit was great and we didn’t want to mess it up. I was actually
praying for a solution to get us out of debt when I found NINE YEAR Mortgage. I am thankful that this is the place we found because it has truly been an answer to my prayer." ~Kim Slack of California City, CA
{}"We set up a program that was personalized to our circumstances and got started immediately. The best part was that we could see balances drop monthly! All of the people that we came in contact with were extremely friendly, helpful, and courteous. We have paid off six credit card accounts with balances of over $44,000 and will have our mortgage paid off in 5 1/2 more years." ~Gary and Linda Sprik